Latest news with #creditrepair
Forbes
2 days ago
- Forbes
The Fraudulent Human Trafficking 'Hack' That's Erasing Bad Credit
New credit repair scams are exploiting CFPB lifeline for human trafficking survivors Maria (not her real name) thought she had found the answer to her prayers when she found a TikTok influencer promising to boost her credit score by over 100 points in as little as seven days. She needed a car for work, but her credit score was bad, and she couldn't get financing. What she didn't know was that the influencer was about to embroil her into a fraud scheme by claiming she was a victim of human trafficking. Maria was just one of thousands who have been caught up in a credit repair scam sweeping social media - 'The 7-Day Credit Hack', and just the latest example of how people are unknowingly being lured into sweeping fraud schemes on social media. In 2022, The Consumer Financial Protection Bureau, created a new lifeline for survivors of human trafficking. The rule allowed people to submit proof they were victims of human trafficking to credit bureaus, who would then be required to remove the negative items from the victim's credit report within four days. The intention of the rule was noble - help human trafficking survivors rebuild their financial lives after their captors exploited their credit, taking out cards and loans in their name without repaying them. For victims, providing proof was straightforward. They could provide documentation from a court, an NGO, or a human trafficking task force confirming they were a victim, or they could simply offer a "self-attestation letter." It was the letter that scammers honed in on. Virtually anyone could easily create a fake attestation letter and use it as proof of human trafficking. The CFPB even published a template letter that anyone could simply fill out as proof. Self attestation sample letter provided on the CFPB website It didn't take long for credit repair companies and influencers on social media to sniff out the business opportunity with the new CFPB rule. They could charge thousands to help people exploit the system. By April 2024, TikTok, Instagram, and Facebook videos were popping up everywhere, advertising the "New 7-Day Credit Sweep". People could merely log in to the credit bureaus, dispute all the negative credit items, and upload a self-attestation letter explaining they were victims of sex trafficking. One influencer says in a popular video, "First, you are going to want to set up an account on "Then, you will want to include all of the accounts acquired when you were 'human trafficked'. She emphasizes the words human trafficked by holding up air quotes with her fingers. "And finally, you will need to upload a victim determination letter. Its that easy.", she concludes. The technique apparently worked. Within 4-7 days, people were reporting that their bad credit had vanished, and their credit scores shot up - sometimes by 100 points or more. And for people that didn't want to do it, experts were more than willing to do the sweep for a price. For a payment between $1,000 to $2,000 they would sweep the credit for them. One person that watched the it emerge and warned people to avoid it - The Credit Plug- reported the scheme on his YouTube Channel and advised people to 'leave it alone'. The "7-Day Credit Hack" was reported by The Credit Plug in June 2024 with a warning not to try it 'As anyone knows these types of situations are 100% being abused right now,' he says, 'where people who may not necessarily have been a victim or survivor are using this loophole to get things wiped off of their credit report.' Social media wasn't the only place lit up with red flags that something was amiss. Signs were also showing up in industry reporting. First, there was CFPB's own reporting that showed a spike in complaints submitted by consumers through their portal - a 285% increase from 2023 to 2024, after the new rule went effect. CFPB consumer complaints submitted through their portal show a 285% increase in the last two years Credit repair companies will often file complaints with the CFPB on behalf of consumers while they perform these credit sweeps. Point Predictive tracked a suspicious spike in "credit washing" during the social media hack last year. Credit washing is the finance industry's term for any activity where borrowers fraudulently remove bad debt through false identity theft or trafficking reports. The analysis showed a 161% increase in applicants for auto loans who appeared to have erased their bad credit through credit washing. Suspicious Credit Washing (where consumers erase bad credit by falsifying reports) appeared in 1 out ... More of every 60 auto loan applications Those credit washers can result in big losses to financial institutions. In 2023, Sentilink found that the losses to the credit card industry alone from credit washing was more than $297 million. It wasn't like the CFPB wasn't warned that the rule would be exploited. The American Bankers Association predicted it would most certainly happen. In a letter to the CFPB dated May 9th, 2022, months before the rule went into place, they wrote that it would encourage criminal activity. "The ease of blocking accurate information by submitting to a governmental entity a form in which the person self-identifies as a victim will allow and encourage people who are not victims of trafficking- including criminals-to block accurate negative information in their consumer reports, introducing the risk of widespread inaccuracies in consumer reports." And they weren't the only ones raising the red flag. Other industry groups including the American Financial Service Association (AFSA) argued people would use attestation as a way to remove accurate information from their credit reports. It's a cruel irony that a rule designed to help society's most vulnerable victims has become a weapon for criminals who want to exploit it. And that hurts survivors more than anyone else. Many will face a "cry wolf" effect as the system becomes more skeptical of all claims, forcing them to prove their claims with even more documentation and proof. Consumers should be wary of credit sweeps on social media and following some practical advice. When someone promises to wipe your credit clean in less than seven days for $1,500 thats not a miracle, its likely just plain old fraud. And while it may seem like an easy and painless process, they could be filing fraudulent documentation or claims in your name that could be tied back to you in the future. Honest credit repair does exist, but it can take weeks and involves careful attention to finding actual errors on your credit report and removing them through a legitimate process. And be cautious of any credit sweep that promises to remove 'all of your bad credit' including legitimate items you are responsible for. Before working with a credit repair company, check their online reviews as well as any complaints that they have with the Better Business Bureau. Legitimate credit repair companies don't guarantee unrealistic results or demand large payments before doing any work. Those are high pressure tactics that should be considered a red flag. They will also not ask you to sign false affidavits claiming you are a victim of identity theft or human trafficking. Remember, those documents are official records that are often retained and can be used against you later if they suspect fraud, which unfortunately is increasingly common now.
Yahoo
01-06-2025
- Business
- Yahoo
Can you pay to remove negative items from your credit report?
A pay-for-delete agreement is a credit repair tactic that could help erase collection accounts from your credit report. It involves offering to settle your debt in exchange for the collection agency deleting the account from your credit report. Credit bureaus discourage the practice, and there are other ways to clean up your report. Debts in collections typically stay on your credit report for seven years and can harm your score for as long as they appear. Some credit repair tactics can potentially get collection accounts taken off of your credit report sooner, but that's generally only if the information is inaccurate. Some people may recommend asking for a pay-for-delete agreement if you have an unpaid account in collections. The practice, however, falls into a legal gray area, and newer credit scoring models make pay-for-deletes less relevant. A pay-for-delete is a negotiation tactic between a consumer with outstanding debt and the third-party collection agency trying to recover the unpaid debt. Not all collection agencies will consider pay-for-delete agreements, but some are willing to negotiate. The negotiation process starts with you calling or writing to the collection agency to ask for a pay-for-delete arrangement. You offer to pay the balance as long as the collection agency agrees to remove the paid account from your credit file. Some collection agencies will agree to negotiate because they only make money when they successfully recover unpaid debt, and a pay-for-delete agreement can be a way to recover debts that might otherwise go unpaid. Others won't negotiate, citing their responsibility under the Fair Credit Reporting Act to provide accurate, complete information to the credit bureaus. If a collection agency accepts your pay-for-delete offer, it will likely expect the payment within a relatively short time frame. After you make the agreed-upon payment, the collection agency should contact the credit bureaus to have the paid account deleted. The goal of a pay-for-delete agreement is to improve your credit score. However, the tactic may be less effective than it used to be thanks to the way some newer credit scoring models handle collection accounts. There are two main types of credit scoring models — FICO and VantageScore. Some FICO models consider paid collections, so a pay-for-delete could make a difference. FICO Score 8, the FICO score lenders most often use, can lower your score if there is a collection on your credit report, regardless of whether the account was paid. In this model, negotiating pay-for-delete can benefit your credit. VantageScore ignores paid collections. That's also the case with newer versions of the FICO model — FICO Scores 9 and 10. FICO states its new models ignore all collections reported as paid in full. With these models, a pay-for-delete doesn't improve your score because there's no penalty for having a paid collection account on your report. No version of the FICO score considers paid medical collection debt or unpaid medical collection debt under $500. Unpaid medical debts over $500 still count, but they have less impact on FICO Scores 9 and 10. A collection agency that agrees to a pay-for-delete can remove the account it reported. That said, any negative information the original creditor reported will likely remain on your report, and could continue to hurt your credit score. For example, imagine you missed multiple payments on your credit card, and the issuer charged off the account before sending the debt to collections. A pay-for-delete could remove the collection account, but the missed payments and charge-off account would stay on your credit report for seven years. Pay-for-delete agreements fall into a legal gray area for collection agencies, and credit bureaus discourage the practice. For those reasons, not all collection agencies will consider pay-for-delete offers. You might find this credit repair tactic isn't worth the hassle. That said, everyone's credit repair journey is different, and it might make sense to ask for a pay-for-delete agreement in some cases. For example, you might negotiate a pay-for-delete if you want to improve your credit score as quickly as possible so you can buy a house or apply for a premium credit card. Overall, your best course of action is to continue building your credit score. Newer actions on your credit are weighed more heavily than older items. The best way to raise your credit score is to consistently use good credit practices, like making all payments on time and improving your debt-to-income ratio. To be effective, a pay-for-delete letter should clearly outline your offer to pay in exchange for the collection agency removing the account from your credit reports. Some companies offer sample pay-for-delete letters you can use as a template. If you prefer to write a letter, include the following information: Account number. Include the collections account number to help the agency quickly find your file. Contact information. Provide your name, address, email address and phone number so the collection agency can reach you to discuss the letter. Payment offer. State the amount you're willing to pay to settle the account and the payment method. It may be possible to negotiate to pay less than the full amount owed. Request debt removal. Request that the collection agency delete the debt from your credit report in exchange for payment. Timeframe to respond. Give the collection agency a deadline to respond to your offer, such as within 30 days. Mail your letter to the collection agency that owns your debt. You can find its mailing address on the debt collection letters it has sent you. Keep in mind: Don't pay for a template for a pay-for-delete letter template. You don't need to use a particular format as long as the information is there. Paying for a template isn't going to make it more likely for your request to be granted. A pay-for-delete letter is not the only way to get a collection account removed from your credit report. Depending on your situation, other options include filing a dispute with the credit bureaus, requesting a goodwill deletion or simply waiting for the account to fall off your report. If you see things on your credit report that are inaccurate, dispute them. That includes collection accounts that belong to someone else or old collection accounts still on your report after seven years. The three credit bureaus — Equifax, Experian and TransUnion — work independently. You may need to file a dispute with each bureau reporting the error. All three accept disputes by phone, by mail and through their websites. After receiving your dispute, the credit bureaus typically have 30 days to investigate the issue. They'll send a letter informing you of their decision. If your dispute is successful, the error will be removed from your report. Consider asking for a goodwill deletion if you have already paid the amount and the account is closed. Write the collection agency a letter asking it to remove the negative mark from your credit history as a goodwill gesture. Explain the circumstances that led to the original account delinquency and why you want the collection account removed. Remember, a goodwill letter is a request for a favor. The collection agency is not required to help you clean up your credit file, but there's no harm in asking. If the collection account is being accurately reported, and the agency will not remove it, it won't stay on your report forever. The negative mark will disappear from your credit report when it expires. Collection accounts are removed from your credit report after seven years, whether the debt was paid or not. The seven-year clock starts from the date the original debt became delinquent unless you do something that restarts the clock, such as making a payment. Pay-for-delete agreements are controversial, and collection agencies may not be willing to negotiate. There are other ways to deal with the negative mark on your credit report. You could file a dispute with the credit bureaus if there's an error, pay the debt and ask for a goodwill deletion or get help from a credit repair company if you need help with disputing inaccurate items. Do pay-for-delete letters really work? Some people say they've had success with pay-for-delete letters, though your results will vary. Some collection agencies are not willing to negotiate pay-for-delete agreements. Other agencies are open to pay-for-delete agreements but may or may not accept your proposed terms. It may take time and persistence to reach an agreement. How can I find out what collection agency owns my debt? Accounts that have been sent to collections may change hands multiple times. To find out which collection agency now owns your debt, request copies of your credit reports from Your report will list all collections, including the current collection agency that owns the debt. Can you pay to wipe your credit history? While it's sometimes possible to negotiate a pay-for-delete with a collection agency, it's impossible to erase your entire credit report and start fresh. Negative items, such as missed payments, foreclosures and bankruptcies, will stay on your credit report until they eventually fall off. Some dishonest credit repair companies falsely claim they can erase negative accurate information or even get customers a new credit file. Steer clear of these offers to protect yourself from credit repair scams. Sign in to access your portfolio
Yahoo
18-05-2025
- Business
- Yahoo
Best Credit Repair & Score Boost 2025: The Credit People Review For Fast Credit Fix & Financial Improvement
Improve your credit fast in 2025. Read The Credit People review for top credit repair & score boost solutions with expert help and flat-rate plans. The Credit People Salt Lake City, Utah, May 18, 2025 (GLOBE NEWSWIRE) -- Introduction: Credit Score Woes in 2025 & The Rise of Credit Repair In today's economic landscape, your credit score is more than just a number—it's a financial passport. Whether you're applying for a home loan, refinancing your car, or qualifying for a lower interest rate, your credit profile plays a pivotal of 2025, more consumers are becoming aware of how deeply their credit scores influence everyday opportunities. Unfortunately, even responsible individuals can find themselves facing credit damage due to errors, identity fraud, late payments, or financial hardship. And once the score drops, bouncing back isn't always has led to a surge in professional credit repair solutions—services designed to help individuals correct mistakes, rebuild their credit, and regain control of their financial journey. Among the most recognized names in this space is The Credit People, a firm with a track record of offering budget-friendly credit improvement services backed by experienced support.✅ Top Pick: – Best Credit Repair & Score Boost company ranked this thousands of files reviewed and many scores elevated, The Credit People have become a go-to choice for those looking to take real steps toward better credit. But how exactly do they work, what's included in their service, and are they worth the investment?This detailed review answers all those questions and more. If you're someone who's tired of watching your financial goals get pushed back because of a poor score, keep reading to discover how The Credit People might help you shift the momentum in your favor. Tired of rejections? Fix your credit today—spots are filling fast! What Is Credit Repair? How It Works & Why It Matters Credit repair is a process where inaccurate, outdated, or unverifiable information is identified and challenged on your credit report. These negative items can unfairly lower your score, affecting your ability to access financial services, secure housing, or even pass certain background three major credit bureaus—Equifax, Experian, and TransUnion—each maintain their own version of your report. Mistakes are surprisingly common. Some of the most frequent issues include: Duplicate accounts Unfounded collections Incorrect payment histories Accounts belonging to someone else The Fair Credit Reporting Act (FCRA) allows consumers to dispute such entries. However, the process can be complex and time-consuming, especially for individuals unfamiliar with how bureaus where professional credit repair companies like The Credit People come in. They handle the process from start to finish—reviewing reports, drafting disputes, following up with credit agencies, and helping ensure that only accurate and fair data remains on your dispute handling, credit repair also includes guidance on improving credit behavior, monitoring changes, and protecting your identity from future damage. In a world where credit impacts nearly every financial move, the value of an expert-led credit strategy has never been more essential. Act now—your financial future won't wait. Get started with The Credit People Meet The Credit People: Company Background & Credibility Founded in 2001, The Credit People® has dedicated over two decades to assisting individuals in improving their credit reports and raising their credit scores through expert credit repair services. Their commitment to excellence has been recognized in prominent publications such as The Wall Street Journal, Smart Money, and USA a mission to be "just your ordinary everyday credit superheroes," The Credit People® has helped over one hundred thousand people with their credit, focusing on perfecting their service and improving team performance rather than merely seeking industry leadership. Their approach centers on providing excellent value and unmatched benefits to clients, including aggressive results, comprehensive credit reports and scores, 24-hour account access, and a satisfaction company's structure comprises specialized teams: Credit Repair Team: Certified and trained in laws governing credit repair, this team has processed over 310,000 unique credit reports, ensuring clients' rights are upheld. Score Analysis Team: Focused on understanding the nuances of credit scoring, they provide insights into debt-to-income ratios, credit type ratios, and scoring models to drive score improvements. Support Team: Dedicated to treating clients with personalized care, ensuring that individuals are more than just numbers. Sales Team: Emphasizing a non-salesy approach, they guide clients through the credit repair process with transparency and support. Executive Team: Steering the company's mission, they combine a passion for helping people with strategic oversight. Tech Team: Committed to data security, they implement measures like 2048-bit encryption and PCI compliance to protect client information. Marketing Team: Responsible for outreach efforts that connect the company with those in need of credit repair services. Credit Partners: An independent sales force catering to affiliate needs, expanding the company's reach. This comprehensive team structure ensures that clients receive specialized attention at every stage of their credit repair journey, reflecting The Credit People's dedication to delivering impactful results and exceptional service I found out the bureaus made 3 mistakes on my report—guess who fixed it? How The Credit People Help Fix Your Credit – Step-by-Step Process The process of fixing credit with The Credit People is structured yet simple—designed for efficiency and transparency. Here's how it unfolds: Step 1: Credit Report Access Once enrolled, The Credit People pulls your reports from all three major bureaus. They offer a free initial consultation and provide clients with full access to their credit profile via a secure online dashboard. Step 2: Analysis of Negative Items Their credit team carefully reviews all reports to identify any harmful, incorrect, or questionable items. These can include late payments, charge-offs, repossessions, medical bills, or accounts not belonging to the client. Step 3: Dispute Strategy For each problematic item, they draft customized dispute letters tailored to the legal guidelines of the FCRA. These letters are sent directly to the reporting bureaus and creditors, initiating the correction process. Step 4: Follow-Up and Escalation Each dispute is tracked, and follow-ups are made within the legal response window (typically 30–45 days). If a bureau or creditor fails to respond properly or leaves an error uncorrected, additional steps are taken. Step 5: Ongoing Monitoring Clients can log into their dashboard anytime to check score changes, see dispute status updates, and review new credit activity. The dashboard also includes helpful insights and credit education tailored to each user's financial step-by-step process relieves clients from the confusion and frustration of managing disputes independently. And by focusing on both immediate fixes and long-term score growth, The Credit People help deliver more sustainable financial confidence. Stop letting your score say 'no' to your goals. The Credit People can help—join now Key Features & Services Offered by The Credit People The Credit People offers a range of tools and services designed to not only correct credit issues but also to support long-term improvement. Their platform combines personalized service with practical digital tools, making it easier for clients to engage with and understand their financial progress. ✅ 3-Bureau Credit Report Access Upon signup, users receive access to their credit reports from Equifax, Experian, and TransUnion. This full visibility ensures all negative entries across the credit spectrum are accounted for and targeted during dispute cycles. ✅ Unlimited Disputes Unlike some competitors that cap the number of items per cycle, The Credit People allows for unlimited disputes. Whether you have five or fifty incorrect entries, the team works on your behalf to challenge each one accordingly. ✅ Score Tracking Clients can log in to view ongoing changes to their credit scores. Updates reflect progress from cleared disputes and new positive activity, offering a transparent look at how your profile is evolving. ✅ Credit Dashboard The user portal is intuitive and accessible, even for those unfamiliar with credit repair. It includes progress timelines, educational materials, and alerts on any activity reported by the bureaus. ✅ Budgeting & Credit Tips In addition to direct dispute work, The Credit People offers credit education and budgeting support. These insights are delivered through your dashboard to help build smarter spending habits, reduce debt, and keep utilization low. No hidden fees. No fluff. Just real results. Get started before this month's window closes Plan Options & Pricing: What You Get for Your Money The Credit People offers three distinct pricing plans to cater to various needs and budgets: Standard Plan – $99 per month This pay-as-you-go option provides flexibility without a long-term commitment. It includes: Access to all three credit reports and scores Unlimited disputes with credit bureaus Monthly updates on credit reports and scores Creditor interventions for additional assistance Escalated disputes and validations when necessary 24/7 online account access to monitor progress Live customer support via phone, chat, and email An unbeatable satisfaction guarantee Clients can cancel at any time without penalties, and if unsatisfied, they are eligible for a refund of the last month's payment. Premium Plan – $119 per month Designed for those seeking the most comprehensive service, the Premium Plan includes all features of the Standard Plan, plus: Advanced credit repair strategies Enhanced creditor interventions Priority support and faster response times This plan is ideal for individuals with more complex credit issues requiring additional attention. Premium Flat-Rate Plan – $599 for 6 months For clients preferring a one-time payment, this plan offers six months of comprehensive service without recurring monthly fees. It encompasses all features of the Premium Plan, providing: Cost savings over the monthly plans Continuous service for half a year Full access to all tools and support This option is perfect for those committed to a longer-term credit improvement strategy. All plans are backed by The Credit People's satisfaction guarantee, ensuring clients receive value and results from their investment. Disclaimer: Results from credit repair services may vary based on individual credit profiles and credit bureau responses. Always conduct your own due diligence before enrolling in any credit improvement program. Fast-track your credit recovery with The Credit People—enroll before rates change The Credit People Real Reviews – Customer Testimonials Alicia D., Atlanta, GA'I signed up after being denied for a home loan. Within 60 days, two collections and a charge-off were gone. I didn't expect results so soon. The dashboard is easy to use, and customer service responds quickly.'Marcus T., Detroit, MI'I had no idea how credit worked before this. They walked me through every step. My score jumped 92 points in four months, and I finally got approved for a decent car loan.'Jennifer K., San Diego, CA'I used other credit services before, but they were expensive and slow. The Credit People actually delivered. Transparent, helpful, and affordable. Highly recommend.'Luis R., Denver, CO'I chose the flat-rate plan because I didn't want to deal with ongoing bills. I saw results in month three and am continuing to track my progress. Worth every dollar.'These stories reflect a common theme: results paired with clear communication. The Credit People don't promise miracles—they deliver steady improvements backed by real work and & Cons of The Credit People Advantages Transparent, budget-friendly pricing Unlimited disputes included User-friendly online dashboard Choice of billing model (monthly or 6-month plan) Long-standing reputation in the credit repair field Educational tools for long-term growth Considerations No mobile app (desktop-only portal) Not available in every U.S. state Results depend on each individual's report and item complexity Overall, the benefits outweigh the drawbacks, particularly for consumers seeking straightforward, no-nonsense credit repair that doesn't rely on legal jargon or overly complicated systems. Join 100,000+ users who've already boosted their scores—don't be left behind The Credit People vs. Other Credit Repair Services (Comparison) With several companies offering credit repair today, how does The Credit People stack up against popular competitors? The Credit People vs. Lexington Law Lexington Law uses a legal-based model with attorneys involved in dispute processing. While this can appeal to those facing complex issues, it often comes with higher monthly costs. The Credit People, on the other hand, uses a practical credit specialist approach—more affordable and equally effective for most standard cases. The Credit People vs. is known for a slick interface and heavy marketing, but users sometimes report slower communication and limited updates. The Credit People focuses more on results and clarity, with real-time progress tracking and fewer upsells. The Credit People vs. Sky Blue Credit Sky Blue is another flat-rate option, but it limits disputes to a fixed number per cycle. The Credit People offers unlimited disputes, making it better for users with multiple report errors or collections to address. The Credit People vs. The Credit Pros The Credit Pros emphasize mobile tools and AI-driven dashboards. While tech-savvy, they come at a higher cost. The Credit People provides similar outcomes with a more budget-conscious structure, ideal for users focused on value and competitive pricing, unlimited disputes, and a track record of customer satisfaction, The Credit People holds its own—and often outperforms—in this crowded space. One setup fee. Unlimited disputes. Real results. Here's the site How Fast Can You See Results? What to Expect Credit repair is a process that requires time and patience. With The Credit People, clients often begin to see initial changes within 30 to 60 days. However, the timeline for noticeable improvements can vary based on individual credit histories and the complexity of the issues being company initiates the dispute process promptly after enrollment, targeting inaccuracies across all three major credit bureaus. While some clients experience score increases in the first few months, others may require a longer duration to achieve significant results. It's important to understand that credit repair is not an overnight fix; consistent effort and adherence to recommended financial practices are key to long-term success. The Credit People Online Portal & Dashboard Tools The Credit People provides clients with a user-friendly online portal designed to offer transparency and real-time updates on the credit repair process. Through this dashboard, clients can: Monitor the status of disputes and removals. Access updated credit reports and scores from all three bureaus. Receive personalized tips and educational resources to support credit improvement efforts. The portal is accessible 24/7, allowing clients to stay informed and engaged throughout their credit repair journey. While The Credit People does not currently offer a mobile app, the online dashboard is optimized for use on various devices, ensuring convenience and ease of access. Got denied again because of your credit score? Watch this now Credit Score Boosting Tips You Can Use Alongside Their Service Enhancing your credit score involves more than just removing inaccuracies; it requires proactive financial habits. Here are some strategies to complement The Credit People's services: Timely Payments: Consistently paying bills on time is crucial, as payment history significantly impacts credit scores. Credit Utilization: Aim to keep credit card balances below 30% of the available limit to demonstrate responsible credit usage. Avoid New Debt: Limit the number of new credit applications, as multiple inquiries can negatively affect your score. Diversify Credit Mix: Having a mix of credit types (e.g., installment loans and revolving credit) can positively influence your score. Regular Monitoring: Stay informed about your credit status by regularly reviewing your credit reports and scores. Implementing these practices alongside professional credit repair efforts can lead to more substantial and lasting improvements in your credit health. Ideal Candidates: Who Should Use The Credit People? The Credit People's services are tailored to individuals seeking to address credit report inaccuracies and improve their financial standing. Ideal candidates include: Individuals with Report Errors: Those who have identified inaccuracies or outdated information on their credit reports. Credit Rebuilders: Individuals aiming to recover from past financial challenges, such as late payments or defaults. Prospective Borrowers: People preparing for significant financial commitments, like applying for a mortgage or auto loan, who need to enhance their credit profiles. Time-Constrained Individuals: Those who prefer to have professionals manage the credit dispute process on their behalf. It's important to note that while The Credit People can assist with disputing inaccuracies, they cannot remove legitimate negative information from credit reports. Therefore, individuals with accurate but unfavorable credit histories may need to focus on building positive credit behaviors over time. Limited enrollments available! Secure your spot and start repairing your credit The Credit People & Identity Theft Recovery Support Identity theft can have a devastating impact on one's credit. The Credit People offers support to clients dealing with the aftermath of identity theft by: Identifying Fraudulent Accounts: Reviewing credit reports to pinpoint unauthorized accounts or inquiries. Disputing Inaccuracies: Initiating disputes to remove fraudulent information from credit reports. Providing Guidance: Offering advice on steps to take, such as placing fraud alerts or credit freezes, to protect against further unauthorized activity. While The Credit People does not offer dedicated identity theft protection services, their expertise in credit repair can be instrumental in rectifying credit report issues resulting from identity theft. The Credit People in the Media – Credibility Signals Over the years, The Credit People has garnered attention from various media outlets, highlighting their role in the credit repair industry. They have been featured in publications such as: Discussing their straightforward pricing and satisfaction guarantee. CreditDonkey: Highlighting their services and comparing them to other credit repair companies. These mentions underscore The Credit People's commitment to providing accessible and transparent credit repair services. Their long-standing presence in the industry further reinforces their credibility and dedication to helping clients improve their financial health. Your dream home, car, or business loan could be one click away. Don't miss out FAQs: The Credit People & Credit Repair Services Q: Is The Credit People a legitimate company?A: Yes, The Credit People is a legitimate credit repair company with over two decades of experience in the industry.Q: How does the satisfaction guarantee work?A: If you're not satisfied with the service, you can cancel at any time and receive a refund for the current month's fee, as well as the previous month's cost.Q: Can The Credit People remove accurate negative information?A: No, they can only dispute and attempt to remove inaccurate, outdated, or unverifiable information from your credit reports.Q: How long does the credit repair process take?A: While some clients see improvements within 30 to 60 days, the duration varies based on individual credit situations.Q: Do they offer identity theft protection services?A: While they assist in disputing fraudulent accounts resulting from identity theft, they do not provide dedicated identity theft protection services.Q: Is there a mobile app available?A: Currently, The Credit People does not offer a mobile app, but their online dashboard is accessible via various devices. Getting Started with The Credit People – Step-by-Step Sign-Up Embarking on your credit repair journey with The Credit People is straightforward: Visit the Website: Go to and click on "Get Started." Choose a Plan: Select the plan that best suits your needs—Standard, Premium, or Premium Flat Rate. Provide Information: Fill out the required personal and payment information. Pay the Setup Fee: A one-time $19 setup fee is required to initiate the service. Access Your Dashboard: Once enrolled, you'll receive access to your personalized online dashboard to monitor progress and updates. Begin the Process: The Credit People will start reviewing your credit reports and initiating disputes on your behalf. Their customer support team is available to assist you throughout the process, ensuring a smooth and informed experience. Final Verdict: Is The Credit People the Best Credit Fix Option in 2025? The Credit People offers a transparent and affordable approach to credit repair, making them a viable option for individuals seeking to improve their credit profiles. Their services are particularly beneficial for those with inaccuracies on their credit reports or those looking for professional assistance in navigating the dispute they may not offer extensive add-on services like some competitors, their focus on core credit repair functions, coupled with a satisfaction guarantee, provides value and peace of mind. As with any credit repair service, results can vary, and it's essential to maintain realistic expectations and commit to responsible financial habits alongside professional assistance.⏳ Don't wait—bad credit won't fix itself. Start now with The Credit People and take the first step toward credit freedom. Spots are filling fast. Visit to enroll today Company: TheCreditPeopleAddress: 6975 S Union Park Avenue Suite 600 Cottonwood Heights, UT 84047Phone: 877-797-2975 Questions: questions@ Legal Disclaimer and Affiliate DisclosureThis article is for informational and educational purposes only and does not constitute financial, legal, or professional advice. The information presented is based on publicly available data and third-party sources believed to be accurate at the time of publication; however, no guarantees are made regarding the completeness, accuracy, or reliability of the information provided in this article is for educational purposes only and does not constitute financial or legal advice. Results from credit repair services may vary based on individual credit profiles and credit bureau responses. Always conduct your own due diligence before enrolling in any credit improvement program. The Credit People is a third-party service provider and is not affiliated with this products, Credit Repair, terms, and availability are determined by third-party lenders and are subject to change without notice. Readers are strongly encouraged to conduct their own due diligence and consult with a licensed financial advisor or legal professional before making any financial platform referenced in this article, TheCreditPeople, is not a direct lender and does not issue loans or make credit decisions. Instead, it serves as a loan connection service, matching users with independent lenders. The acceptance of a loan offer, the terms of repayment, and any resulting financial agreements are exclusively between the borrower and the content may include references or links to affiliate programs. If a reader clicks a link and subsequently takes an action—such as completing a loan inquiry or accepting a financial offer—the publisher may earn a commission at no additional cost to the reader. This compensation has no influence on the content's objectivity, and all opinions presented are strictly reading this article, users acknowledge that: They are responsible for independently verifying all loan details before accepting any offer. The article is not offering personalized financial guidance. The publisher, contributors, and syndication partners are not liable for any actions taken based on the information provided, nor for any loss or damages—financial or otherwise—that may result. All trademarks, logos, and brand names mentioned are the property of their respective owners. References to third-party products or services are for identification purposes only and do not constitute refer to the official website of the loan provider for the most accurate and up-to-date product terms, pricing, and eligibility The Credit People CONTACT: Company: TheCreditPeople Address: 6975 S Union Park Avenue Suite 600 Cottonwood Heights, UT 84047 Phone: 877-797-2975 Questions: questions@ while retrieving data Sign in to access your portfolio Error while retrieving data Error while retrieving data Error while retrieving data Error while retrieving data
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18-05-2025
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Best Credit Repair & Score Boost 2025: The Credit People Review For Fast Credit Fix & Financial Improvement
Improve your credit fast in 2025. Read The Credit People review for top credit repair & score boost solutions with expert help and flat-rate plans. The Credit People Salt Lake City, Utah, May 18, 2025 (GLOBE NEWSWIRE) -- Introduction: Credit Score Woes in 2025 & The Rise of Credit Repair In today's economic landscape, your credit score is more than just a number—it's a financial passport. Whether you're applying for a home loan, refinancing your car, or qualifying for a lower interest rate, your credit profile plays a pivotal of 2025, more consumers are becoming aware of how deeply their credit scores influence everyday opportunities. Unfortunately, even responsible individuals can find themselves facing credit damage due to errors, identity fraud, late payments, or financial hardship. And once the score drops, bouncing back isn't always has led to a surge in professional credit repair solutions—services designed to help individuals correct mistakes, rebuild their credit, and regain control of their financial journey. Among the most recognized names in this space is The Credit People, a firm with a track record of offering budget-friendly credit improvement services backed by experienced support.✅ Top Pick: – Best Credit Repair & Score Boost company ranked this thousands of files reviewed and many scores elevated, The Credit People have become a go-to choice for those looking to take real steps toward better credit. But how exactly do they work, what's included in their service, and are they worth the investment?This detailed review answers all those questions and more. If you're someone who's tired of watching your financial goals get pushed back because of a poor score, keep reading to discover how The Credit People might help you shift the momentum in your favor. Tired of rejections? Fix your credit today—spots are filling fast! What Is Credit Repair? How It Works & Why It Matters Credit repair is a process where inaccurate, outdated, or unverifiable information is identified and challenged on your credit report. These negative items can unfairly lower your score, affecting your ability to access financial services, secure housing, or even pass certain background three major credit bureaus—Equifax, Experian, and TransUnion—each maintain their own version of your report. Mistakes are surprisingly common. Some of the most frequent issues include: Duplicate accounts Unfounded collections Incorrect payment histories Accounts belonging to someone else The Fair Credit Reporting Act (FCRA) allows consumers to dispute such entries. However, the process can be complex and time-consuming, especially for individuals unfamiliar with how bureaus where professional credit repair companies like The Credit People come in. They handle the process from start to finish—reviewing reports, drafting disputes, following up with credit agencies, and helping ensure that only accurate and fair data remains on your dispute handling, credit repair also includes guidance on improving credit behavior, monitoring changes, and protecting your identity from future damage. In a world where credit impacts nearly every financial move, the value of an expert-led credit strategy has never been more essential. Act now—your financial future won't wait. Get started with The Credit People Meet The Credit People: Company Background & Credibility Founded in 2001, The Credit People® has dedicated over two decades to assisting individuals in improving their credit reports and raising their credit scores through expert credit repair services. Their commitment to excellence has been recognized in prominent publications such as The Wall Street Journal, Smart Money, and USA a mission to be "just your ordinary everyday credit superheroes," The Credit People® has helped over one hundred thousand people with their credit, focusing on perfecting their service and improving team performance rather than merely seeking industry leadership. Their approach centers on providing excellent value and unmatched benefits to clients, including aggressive results, comprehensive credit reports and scores, 24-hour account access, and a satisfaction company's structure comprises specialized teams: Credit Repair Team: Certified and trained in laws governing credit repair, this team has processed over 310,000 unique credit reports, ensuring clients' rights are upheld. Score Analysis Team: Focused on understanding the nuances of credit scoring, they provide insights into debt-to-income ratios, credit type ratios, and scoring models to drive score improvements. Support Team: Dedicated to treating clients with personalized care, ensuring that individuals are more than just numbers. Sales Team: Emphasizing a non-salesy approach, they guide clients through the credit repair process with transparency and support. Executive Team: Steering the company's mission, they combine a passion for helping people with strategic oversight. Tech Team: Committed to data security, they implement measures like 2048-bit encryption and PCI compliance to protect client information. Marketing Team: Responsible for outreach efforts that connect the company with those in need of credit repair services. Credit Partners: An independent sales force catering to affiliate needs, expanding the company's reach. This comprehensive team structure ensures that clients receive specialized attention at every stage of their credit repair journey, reflecting The Credit People's dedication to delivering impactful results and exceptional service I found out the bureaus made 3 mistakes on my report—guess who fixed it? How The Credit People Help Fix Your Credit – Step-by-Step Process The process of fixing credit with The Credit People is structured yet simple—designed for efficiency and transparency. Here's how it unfolds: Step 1: Credit Report Access Once enrolled, The Credit People pulls your reports from all three major bureaus. They offer a free initial consultation and provide clients with full access to their credit profile via a secure online dashboard. Step 2: Analysis of Negative Items Their credit team carefully reviews all reports to identify any harmful, incorrect, or questionable items. These can include late payments, charge-offs, repossessions, medical bills, or accounts not belonging to the client. Step 3: Dispute Strategy For each problematic item, they draft customized dispute letters tailored to the legal guidelines of the FCRA. These letters are sent directly to the reporting bureaus and creditors, initiating the correction process. Step 4: Follow-Up and Escalation Each dispute is tracked, and follow-ups are made within the legal response window (typically 30–45 days). If a bureau or creditor fails to respond properly or leaves an error uncorrected, additional steps are taken. Step 5: Ongoing Monitoring Clients can log into their dashboard anytime to check score changes, see dispute status updates, and review new credit activity. The dashboard also includes helpful insights and credit education tailored to each user's financial step-by-step process relieves clients from the confusion and frustration of managing disputes independently. And by focusing on both immediate fixes and long-term score growth, The Credit People help deliver more sustainable financial confidence. Stop letting your score say 'no' to your goals. The Credit People can help—join now Key Features & Services Offered by The Credit People The Credit People offers a range of tools and services designed to not only correct credit issues but also to support long-term improvement. Their platform combines personalized service with practical digital tools, making it easier for clients to engage with and understand their financial progress. ✅ 3-Bureau Credit Report Access Upon signup, users receive access to their credit reports from Equifax, Experian, and TransUnion. This full visibility ensures all negative entries across the credit spectrum are accounted for and targeted during dispute cycles. ✅ Unlimited Disputes Unlike some competitors that cap the number of items per cycle, The Credit People allows for unlimited disputes. Whether you have five or fifty incorrect entries, the team works on your behalf to challenge each one accordingly. ✅ Score Tracking Clients can log in to view ongoing changes to their credit scores. Updates reflect progress from cleared disputes and new positive activity, offering a transparent look at how your profile is evolving. ✅ Credit Dashboard The user portal is intuitive and accessible, even for those unfamiliar with credit repair. It includes progress timelines, educational materials, and alerts on any activity reported by the bureaus. ✅ Budgeting & Credit Tips In addition to direct dispute work, The Credit People offers credit education and budgeting support. These insights are delivered through your dashboard to help build smarter spending habits, reduce debt, and keep utilization low. No hidden fees. No fluff. Just real results. Get started before this month's window closes Plan Options & Pricing: What You Get for Your Money The Credit People offers three distinct pricing plans to cater to various needs and budgets: Standard Plan – $99 per month This pay-as-you-go option provides flexibility without a long-term commitment. It includes: Access to all three credit reports and scores Unlimited disputes with credit bureaus Monthly updates on credit reports and scores Creditor interventions for additional assistance Escalated disputes and validations when necessary 24/7 online account access to monitor progress Live customer support via phone, chat, and email An unbeatable satisfaction guarantee Clients can cancel at any time without penalties, and if unsatisfied, they are eligible for a refund of the last month's payment. Premium Plan – $119 per month Designed for those seeking the most comprehensive service, the Premium Plan includes all features of the Standard Plan, plus: Advanced credit repair strategies Enhanced creditor interventions Priority support and faster response times This plan is ideal for individuals with more complex credit issues requiring additional attention. Premium Flat-Rate Plan – $599 for 6 months For clients preferring a one-time payment, this plan offers six months of comprehensive service without recurring monthly fees. It encompasses all features of the Premium Plan, providing: Cost savings over the monthly plans Continuous service for half a year Full access to all tools and support This option is perfect for those committed to a longer-term credit improvement strategy. All plans are backed by The Credit People's satisfaction guarantee, ensuring clients receive value and results from their investment. Disclaimer: Results from credit repair services may vary based on individual credit profiles and credit bureau responses. Always conduct your own due diligence before enrolling in any credit improvement program. Fast-track your credit recovery with The Credit People—enroll before rates change The Credit People Real Reviews – Customer Testimonials Alicia D., Atlanta, GA'I signed up after being denied for a home loan. Within 60 days, two collections and a charge-off were gone. I didn't expect results so soon. The dashboard is easy to use, and customer service responds quickly.'Marcus T., Detroit, MI'I had no idea how credit worked before this. They walked me through every step. My score jumped 92 points in four months, and I finally got approved for a decent car loan.'Jennifer K., San Diego, CA'I used other credit services before, but they were expensive and slow. The Credit People actually delivered. Transparent, helpful, and affordable. Highly recommend.'Luis R., Denver, CO'I chose the flat-rate plan because I didn't want to deal with ongoing bills. I saw results in month three and am continuing to track my progress. Worth every dollar.'These stories reflect a common theme: results paired with clear communication. The Credit People don't promise miracles—they deliver steady improvements backed by real work and & Cons of The Credit People Advantages Transparent, budget-friendly pricing Unlimited disputes included User-friendly online dashboard Choice of billing model (monthly or 6-month plan) Long-standing reputation in the credit repair field Educational tools for long-term growth Considerations No mobile app (desktop-only portal) Not available in every U.S. state Results depend on each individual's report and item complexity Overall, the benefits outweigh the drawbacks, particularly for consumers seeking straightforward, no-nonsense credit repair that doesn't rely on legal jargon or overly complicated systems. Join 100,000+ users who've already boosted their scores—don't be left behind The Credit People vs. Other Credit Repair Services (Comparison) With several companies offering credit repair today, how does The Credit People stack up against popular competitors? The Credit People vs. Lexington Law Lexington Law uses a legal-based model with attorneys involved in dispute processing. While this can appeal to those facing complex issues, it often comes with higher monthly costs. The Credit People, on the other hand, uses a practical credit specialist approach—more affordable and equally effective for most standard cases. The Credit People vs. is known for a slick interface and heavy marketing, but users sometimes report slower communication and limited updates. The Credit People focuses more on results and clarity, with real-time progress tracking and fewer upsells. The Credit People vs. Sky Blue Credit Sky Blue is another flat-rate option, but it limits disputes to a fixed number per cycle. The Credit People offers unlimited disputes, making it better for users with multiple report errors or collections to address. The Credit People vs. The Credit Pros The Credit Pros emphasize mobile tools and AI-driven dashboards. While tech-savvy, they come at a higher cost. The Credit People provides similar outcomes with a more budget-conscious structure, ideal for users focused on value and competitive pricing, unlimited disputes, and a track record of customer satisfaction, The Credit People holds its own—and often outperforms—in this crowded space. One setup fee. Unlimited disputes. Real results. Here's the site How Fast Can You See Results? What to Expect Credit repair is a process that requires time and patience. With The Credit People, clients often begin to see initial changes within 30 to 60 days. However, the timeline for noticeable improvements can vary based on individual credit histories and the complexity of the issues being company initiates the dispute process promptly after enrollment, targeting inaccuracies across all three major credit bureaus. While some clients experience score increases in the first few months, others may require a longer duration to achieve significant results. It's important to understand that credit repair is not an overnight fix; consistent effort and adherence to recommended financial practices are key to long-term success. The Credit People Online Portal & Dashboard Tools The Credit People provides clients with a user-friendly online portal designed to offer transparency and real-time updates on the credit repair process. Through this dashboard, clients can: Monitor the status of disputes and removals. Access updated credit reports and scores from all three bureaus. Receive personalized tips and educational resources to support credit improvement efforts. The portal is accessible 24/7, allowing clients to stay informed and engaged throughout their credit repair journey. While The Credit People does not currently offer a mobile app, the online dashboard is optimized for use on various devices, ensuring convenience and ease of access. Got denied again because of your credit score? Watch this now Credit Score Boosting Tips You Can Use Alongside Their Service Enhancing your credit score involves more than just removing inaccuracies; it requires proactive financial habits. Here are some strategies to complement The Credit People's services: Timely Payments: Consistently paying bills on time is crucial, as payment history significantly impacts credit scores. Credit Utilization: Aim to keep credit card balances below 30% of the available limit to demonstrate responsible credit usage. Avoid New Debt: Limit the number of new credit applications, as multiple inquiries can negatively affect your score. Diversify Credit Mix: Having a mix of credit types (e.g., installment loans and revolving credit) can positively influence your score. Regular Monitoring: Stay informed about your credit status by regularly reviewing your credit reports and scores. Implementing these practices alongside professional credit repair efforts can lead to more substantial and lasting improvements in your credit health. Ideal Candidates: Who Should Use The Credit People? The Credit People's services are tailored to individuals seeking to address credit report inaccuracies and improve their financial standing. Ideal candidates include: Individuals with Report Errors: Those who have identified inaccuracies or outdated information on their credit reports. Credit Rebuilders: Individuals aiming to recover from past financial challenges, such as late payments or defaults. Prospective Borrowers: People preparing for significant financial commitments, like applying for a mortgage or auto loan, who need to enhance their credit profiles. Time-Constrained Individuals: Those who prefer to have professionals manage the credit dispute process on their behalf. It's important to note that while The Credit People can assist with disputing inaccuracies, they cannot remove legitimate negative information from credit reports. Therefore, individuals with accurate but unfavorable credit histories may need to focus on building positive credit behaviors over time. Limited enrollments available! Secure your spot and start repairing your credit The Credit People & Identity Theft Recovery Support Identity theft can have a devastating impact on one's credit. The Credit People offers support to clients dealing with the aftermath of identity theft by: Identifying Fraudulent Accounts: Reviewing credit reports to pinpoint unauthorized accounts or inquiries. Disputing Inaccuracies: Initiating disputes to remove fraudulent information from credit reports. Providing Guidance: Offering advice on steps to take, such as placing fraud alerts or credit freezes, to protect against further unauthorized activity. While The Credit People does not offer dedicated identity theft protection services, their expertise in credit repair can be instrumental in rectifying credit report issues resulting from identity theft. The Credit People in the Media – Credibility Signals Over the years, The Credit People has garnered attention from various media outlets, highlighting their role in the credit repair industry. They have been featured in publications such as: Discussing their straightforward pricing and satisfaction guarantee. CreditDonkey: Highlighting their services and comparing them to other credit repair companies. These mentions underscore The Credit People's commitment to providing accessible and transparent credit repair services. Their long-standing presence in the industry further reinforces their credibility and dedication to helping clients improve their financial health. Your dream home, car, or business loan could be one click away. Don't miss out FAQs: The Credit People & Credit Repair Services Q: Is The Credit People a legitimate company?A: Yes, The Credit People is a legitimate credit repair company with over two decades of experience in the industry.Q: How does the satisfaction guarantee work?A: If you're not satisfied with the service, you can cancel at any time and receive a refund for the current month's fee, as well as the previous month's cost.Q: Can The Credit People remove accurate negative information?A: No, they can only dispute and attempt to remove inaccurate, outdated, or unverifiable information from your credit reports.Q: How long does the credit repair process take?A: While some clients see improvements within 30 to 60 days, the duration varies based on individual credit situations.Q: Do they offer identity theft protection services?A: While they assist in disputing fraudulent accounts resulting from identity theft, they do not provide dedicated identity theft protection services.Q: Is there a mobile app available?A: Currently, The Credit People does not offer a mobile app, but their online dashboard is accessible via various devices. Getting Started with The Credit People – Step-by-Step Sign-Up Embarking on your credit repair journey with The Credit People is straightforward: Visit the Website: Go to and click on "Get Started." Choose a Plan: Select the plan that best suits your needs—Standard, Premium, or Premium Flat Rate. Provide Information: Fill out the required personal and payment information. Pay the Setup Fee: A one-time $19 setup fee is required to initiate the service. Access Your Dashboard: Once enrolled, you'll receive access to your personalized online dashboard to monitor progress and updates. Begin the Process: The Credit People will start reviewing your credit reports and initiating disputes on your behalf. Their customer support team is available to assist you throughout the process, ensuring a smooth and informed experience. Final Verdict: Is The Credit People the Best Credit Fix Option in 2025? The Credit People offers a transparent and affordable approach to credit repair, making them a viable option for individuals seeking to improve their credit profiles. Their services are particularly beneficial for those with inaccuracies on their credit reports or those looking for professional assistance in navigating the dispute they may not offer extensive add-on services like some competitors, their focus on core credit repair functions, coupled with a satisfaction guarantee, provides value and peace of mind. As with any credit repair service, results can vary, and it's essential to maintain realistic expectations and commit to responsible financial habits alongside professional assistance.⏳ Don't wait—bad credit won't fix itself. Start now with The Credit People and take the first step toward credit freedom. Spots are filling fast. Visit to enroll today Company: TheCreditPeopleAddress: 6975 S Union Park Avenue Suite 600 Cottonwood Heights, UT 84047Phone: 877-797-2975 Questions: questions@ Legal Disclaimer and Affiliate DisclosureThis article is for informational and educational purposes only and does not constitute financial, legal, or professional advice. The information presented is based on publicly available data and third-party sources believed to be accurate at the time of publication; however, no guarantees are made regarding the completeness, accuracy, or reliability of the information provided in this article is for educational purposes only and does not constitute financial or legal advice. Results from credit repair services may vary based on individual credit profiles and credit bureau responses. Always conduct your own due diligence before enrolling in any credit improvement program. The Credit People is a third-party service provider and is not affiliated with this products, Credit Repair, terms, and availability are determined by third-party lenders and are subject to change without notice. Readers are strongly encouraged to conduct their own due diligence and consult with a licensed financial advisor or legal professional before making any financial platform referenced in this article, TheCreditPeople, is not a direct lender and does not issue loans or make credit decisions. Instead, it serves as a loan connection service, matching users with independent lenders. The acceptance of a loan offer, the terms of repayment, and any resulting financial agreements are exclusively between the borrower and the content may include references or links to affiliate programs. If a reader clicks a link and subsequently takes an action—such as completing a loan inquiry or accepting a financial offer—the publisher may earn a commission at no additional cost to the reader. This compensation has no influence on the content's objectivity, and all opinions presented are strictly reading this article, users acknowledge that: They are responsible for independently verifying all loan details before accepting any offer. The article is not offering personalized financial guidance. The publisher, contributors, and syndication partners are not liable for any actions taken based on the information provided, nor for any loss or damages—financial or otherwise—that may result. All trademarks, logos, and brand names mentioned are the property of their respective owners. References to third-party products or services are for identification purposes only and do not constitute refer to the official website of the loan provider for the most accurate and up-to-date product terms, pricing, and eligibility The Credit People CONTACT: Company: TheCreditPeople Address: 6975 S Union Park Avenue Suite 600 Cottonwood Heights, UT 84047 Phone: 877-797-2975 Questions: questions@ in retrieving data Sign in to access your portfolio Error in retrieving data Error in retrieving data Error in retrieving data Error in retrieving data
